UK - CURVE’S SAMSUNG PAY+ TERMS

Version 2.2 - 8 July 2021

Welcome to Curve’s Samsung Pay+ terms

GENERAL INFORMATION

Who are we?

Hello. We’re Curve OS Limited, registered in the UK with company number 09523903, but you’ll know us better as Curve. In case you want to send us a letter, we are based at 15-19 Bloomsbury Way, London WC1A 2TH.

If you have any questions about these terms and conditions (Terms) or anything at all, just drop our friendly customer support team a line at support@curve.com or get in touch via the Curve app.

These Terms apply to your use of Samsung Pay+, a digital or physical Mastercard debit card issued by Curve and co-branded with Samsung. If you have a different Curve product, please see their terms here.

If we need to contact you, we’ll contact you in English via the Curve app, by email, phone or using your home address - depending on the information we need to share - so make sure your details are always up to date. If in doubt, these Terms are concluded in English.

What are these Terms?

These Terms set out the terms of service for your use of Samsung Pay+, your Curve account and other important things you need to know. By clicking “accept/continue” you’re entering into a legally binding agreement with Curve OS Limited, which issues your Samsung Pay+ and electronic money (e-money). Curve is authorised to issue e-money by the Financial Conduct Authority (firm reference number 900926). Before using Samsung Pay+, you  will also need to agree to Samsung Pay’s separate terms of service as advised when setting up your Samsung Pay+ account in the Samsung Pay app.  In addition to these Terms, the Mastercard Digital Enablement Service Terms set out in Schedule 1 to these Terms also apply and form part of your agreement with us. 

You can always download a set of the most recent Terms from our website and we will send you, when we need to make changes to these Terms, a copy of the new Terms by email.

Anything else you should read?

The Fee Schedule forms part of these Terms and we highly recommend reading it. Along with these Terms, you should take a look at our Privacy Policy, Cookie Policy, Fair Use Policy, Curve Customer Protection Policy and refer to the FAQs for any questions you may have.

Who can get Samsung Pay+?

You can get Samsung Pay+ and a Curve account:

  • if you’re a resident in the United Kingdom; and

  • have the full legal capacity to enter into a contract; and

  • you’re 18 years old or over.

You can’t get one:

  • on someone else’s behalf; or

  • if you already have a Curve account; or

  • if there is any reason that Curve is unable to grant you an account under the laws that apply to us.

We may ask you for additional information, from time-to-time,  when you are opening your account or at a later stage, and if this information does not meet our requirements - this may result in your account opening being delayed or rejected or even suspension or closure of your account once opened.

What should you know about your Curve account?

E-money. Your Curve account stores e-money, an electronic alternative to cash that can be used to pay for goods and services, in store or online and to take money out at an ATM. 

While the Financial Services Compensation Scheme (FSCS) does not apply to e-money accounts, rest assured that your e-money is always kept separate from our own. This is known as safeguarding. It is required by law and ensures that your e-money is protected and returned to you in full if we decide to cease operations. However, if we were to become insolvent then the funds returned to you may be less than the total in your account, as the costs to arrange repayment and the costs of the administrators who would coordinate the return of customer funds, may be deducted from the funds owed to you.

No interest. We’re not allowed to pay you interest on the funds we hold for you.

How it works. You need to link and verify an eligible payment card to your Curve account through the Samsung Pay+ onboarding process app, before you can use your Samsung Pay+. The payment card can be any debit card, credit card or prepaid card that we allow you to link to your Curve account. We may need to introduce certain restrictions on the cards that we are able to accept on to the Curve system and will try to keep you informed on any changes, some of which may depend on the card schemes. To use more than the one payment card you added during onboarding, you will need to download the Curve app and follow the process for adding and verifying payment cards. 

When you make a transaction using your Samsung Pay+, Curve (with your permission) loads funds from your selected payment card to Curve, this is done for you automatically by the Curve processing system (no hassle to you). The amount loaded will be the value of the transaction, plus any fees for that transaction that Curve is charging.

The loaded funds are used to issue e-money which is loaded onto your Curve e-money account and is then used to pay for the transaction made with your Samsung Pay+. If your selected payment card account has insufficient funds or declines the transaction for any other reason, the transaction will be declined.

In case Curve receives a decline from the payment card selected in the Curve app, we  try to process the transaction from the cards that you have set as your default or back up cards including your Curve Cash card (for more information on how to set this up, go here).

You can add multiple payment cards to the Curve app and change the selected payment card at any time using the Curve app. To clarify, this can not be done through your Samsung Pay app. If you change to a different payment card in Samsung pay app, it will not change the payment card in the Curve app. 

Each time you link a payment card to your Curve account you’re giving us a continuous payment authority to use that payment card to fund the purchase of the e-money used to pay for transactions. Curve will use various means to identify and verify that the card you have added to your account is yours and that you have the right to use it.

You can see your transactions on the timeline in the Curve app.

What should you know about your Samsung Pay+?

Curve will issue you either a personal or business Samsung Pay+. It will either be a physical and/or digital card. A digital card is a card where you can see your Samsung Pay+ details in the Curve app, and can request a physical card if you want one (fees for this are in the Fee Schedule). You will be able to add your Samsung Pay+ in digital form to your Samsung Pay app.  

 You can use your Samsung Pay+ to make purchases for goods and services, in store or online. To withdraw cash you will need to order a physical Samsung Pay+. Please note that you cannot withdraw cash at an ATM if you have your Curve Cash card selected as the funding source for your Samsung Pay+.

GENERAL INFORMATION

What type of accounts can you open?

Personal or business. Curve offers both personal and business accounts. You can only open a business account if you are a sole-trader or a self-employed natural person and intend to use your Curve account exclusively for business spend. You cannot open a business account for a company or partnership.

We can suspend your account or change it from business to personal if we reasonably think it is not being used for business purposes. If we change your account type, we will issue you with a replacement card. From time to time, we may request further information from you to verify your business status and business spend. Please note that the use of a Curve business account for personal spend is not permitted under these Terms.

If you have a business account but wish to use Curve for personal reasons, you must contact us to change your account type. There is no cost to you for this change.

 

Benefits. Your Samsung Pay+ benefits can be viewed here.

More than one account. You cannot hold more than one Curve account. We can close down additional accounts without informing you first. This also means that if you have a Samsung Pay+ then you will not be able to open a Curve account alongside.

Fees. You can find details of the fees we charge in the Fee Schedule. We will keep you informed before we introduce any new fee or make changes to any existing fees.

Replacement Card. We charge fees for replacing your Samsung Pay+ at the time we process the request for a replacement card. We can charge the fee from any of the payment cards linked to your Curve account. We won’t charge you to replace a card that has been stolen or misappropriated.

Curve Fronted. Using your Samsung Pay+ (with a debit or credit card as your payment card) to pay merchants who only accept payments by debit card, or who either impose a charge or deny certain types of debit or credit cards (e.g. transactions to the HM Revenue and Customs in the UK, paying off a credit card with an underlying credit card selected), is defined by Curve as Curve Fronted transaction and will attract a service fee (see our Fees Schedule for details).

Please remember that when you fund your Samsung Pay+ with a credit card or other card that applies fees to transactions:

  • Your underlying credit card issuer may also apply fees in relation to Curve Fronted transactions using Curve. Curve will not be liable for such fees. These fees are strictly non-refundable in nature.

  • You may have to pay other costs, taxes or charges which are outside our control and not charged by us e.g. your payment card issuer may charge you for making a payment through your Samsung Pay+.

Keeping your account safe

Please keep your Samsung Pay+, account information, security details and the devices you use to access your account safe. This means:

  • signing your Samsung Pay+ as soon as you receive it (if physical card)

  • not sharing your security details with anyone (including your Samsung Pay+ PIN, Curve app password or PIN or other security information used to protect your Curve account)

  • not letting anyone else use your Samsung Pay+ or Curve app

  • Keeping your Samsung Pay+ card and card details (physical or digital) safe

  • keeping your mobile phone and your email account secure.

If you think your card is lost or stolen, someone knows your security details or there are transactions on your account you don’t recognise, you must:

  • immediately lock your Samsung Pay+ in the Curve app;

  • let us know ASAP by calling +44(0)2033222585 (lines are open 24/7), by email on support@curve.com or via the Curve app;

  • stop using your Curve account and Samsung Pay+ until you hear from us.

If you find your Samsung Pay+ after you’ve locked it but before you’ve notified us, simply unlock it again via the app. Please keep a look out for any suspicious transactions and follow the above procedure if you spot any.

Because we send important notifications and information to you via the Curve app and the proper functioning and security of the app relies on updates from time to time, you agree that you will keep the Curve app on your mobile devices up to date.

USING CURVE

Who can you provide access to your account?

Uses. You can use your Samsung Pay+ to make payments or withdraw cash.

Authorised transactions. We’ll consider a transaction to be authorised by you when you do at least one of the following:

  • enter your PIN

  • sign a receipt

  • provide your Samsung Pay+ details (card number, expiry date, CVV number)

  • wave or swipe your Samsung Pay+ (digital or physical) over or near a contactless payment reader

  • use your Samsung Pay+ and PIN to withdraw cash from a payment terminal, e.g at ATM

  • select a contact of yours and instruct the transfer of funds to that person in the Curve app.

Typically your authorisation for a transaction lasts for 30 days. If a merchant processes your transaction after 30 days, you agree that we can still process the transaction. You remain responsible under these Terms in respect of all transactions you authorise on your Curve account including all charges and other amounts incurred. You also agree that if Curve is unable to collect the corresponding funds from your funding card at time these become due to be paid by Curve to the merchant, Curve is authorised to collect such funds from any of your other funding cards loaded into the Curve app.

Cancelling transactions. You can cancel a transaction you’ve agreed to pay in the future up until close of business on the day before the transaction is due to take place. Just contact us to do this.

Changes to payment amounts. Sometimes, you might make changes to a purchase between the time you authorise the transaction and the time the merchant processes it. In these cases, the merchant may amend the payment amount to reflect this change. You agree that we may pay the additional amount to the merchant on the basis of your initial authorisation and charge the shortfall from you.

Pre-authorisations. If you’ve used your Samsung Pay+ to pre-authorise a transaction of less than £150 (or its equivalent in your local currency if you are using a non-UK funding card), we may place a block on those funds (meaning you can’t use them) or charge the amount to your payment card at the time you pre-authorise the transaction. If the final amount is less than £150, we’ll refund or unblock the difference.

Continuous payment authority. You can use your Samsung Pay+ to set up a future payment (either on a one-off or recurring basis) on a selected payment card. We’ll make the payment from the payment card you’ve selected in the Curve App at the time we process the transaction, which may be a different payment card to the one you had selected at the time you set up the future payment. If you need to cancel such payments, get in touch with us.

Spending limits. We have limits on how much you can spend or withdraw - these are set out in your Curve app. We may change these limits every now and then. You can ask us to increase your limits - if we refuse, you will have to wait 3 months to request another review.

Reasons we may refuse or delay a payment?

  • Security: We’re concerned about the security of your Samsung Pay+ or account

  • Fraud: We suspect fraud on your account

  • Law or regulation: We need to comply with the relevant law or regulation

  • Your actions: The transaction breaches limits which apply to your Curve account you’ve breached these Terms, you’ve failed to provide us with information we’ve asked for or your account has been blocked for any other legitimate reason, or

  • Third parties: If a third party (e.g. a card network) prevents us from making the payment.

We’ll tell you if we refuse to make a payment and (where possible) why.

We may need to contact you urgently if we suspect or find fraudulent activity has occurred on your account (provided we are not prohibited from doing so by law) or if we suffer a security threat. When we contact you, we will also give you information on how you can minimise any risk to your payment instrument depending on the nature of the fraud or security threat. We’ll use the same contact details which you have already provided us with when contacting you; so please make sure you keep your account details up to date either in the app or by contacting us.

What about foreign currency transactions?

In case of withdrawals or purchases using your Curve card where the currency of your selected payment card is different to the currency of the transaction - Curve will perform a currency conversion for you.

If, when making the transaction, you have set your payment card currency in the Curve app to a different currency than that of the payment card itself then your payment card issuer may charge a fee for using their currency conversion services. This might be in addition to any fees that Curve charges you. 

If we have to convert the currency of a payment made using your Samsung Pay+ we’ll use an exchange rate which will be either the:

  • Standard exchange rate. On a weekday we will normally use an exchange rate collected from our wholesale provider, though when the exchange rate is volatile we may use the rate as of midnight on that day. We’ll use this rate during the hours foreign currency markets are open in the UK. We can let you know the rate for a transaction if you get in touch with us.

  • Weekend exchange rate. This is the rate at the time the markets are last closed in London, U.K. It will apply from the time the markets close until they open again.

Exchange rates can fluctuate between the date you made the transaction and the date it’s actually processed by the merchant to your account, please note that changes in the exchange rates will be applied immediately and without notice. The rate applied to a transaction will be shown in the Curve app. 

If you use the Go Back in Time feature in relation to a foreign currency transaction, it’s possible that a different exchange rate to the one used for the original transaction will apply. If the merchant subsequently refunds the foreign transaction payment, the exchange rate used will be the one at the date the transaction was settled, not when the refund is settled.

You can contact us at support@curve.com for details of the exchange rate for any transaction. You can also find the exchange rate that was applied to your transaction in your Curve app.

We’ll not be responsible to you if you’re charged fees or lose any money if you ask the merchant or any other third party to make the currency conversion.

Who’s responsible for losses on your Samsung Pay+ or account?

When you’ll be responsible. 

You’re responsible for all losses where:

  • you’ve acted fraudulently

  • you deliberately failed to keep your device, account details or your Samsung Pay+ and account security details safe

If you don’t tell us as soon as you realise that your card is lost or stolen, when you think or suspect that someone else knows your security details, or there have been unauthorised transactions on your Samsung Pay+, you’ll have to pay up to £35  of the losses.

When we’ll be responsible. We’ll refund you any money you’ve lost as a result of:

  • any unauthorised transaction which you’ve promptly reported (and within 13 months of the transaction), provided you’ve not acted fraudulently or carelessly;

  • our mistakes

  • transactions authorised by us after you locked your card (but only to the amount of the original authorisation).

We may also refund you where you’ve used your Samsung Pay+ to make a payment within the UK without knowing the exact amount beforehand (e.g. when hiring a car) and the final amount is much higher than you reasonably would have expected. Just drop us a line through the Curve app or at support@curve.com within 8 weeks of the transaction and provide us with any further information we need to look into this. We’ll then make a decision either to refund the transaction or give you reasons why we can’t accept your request.

What can I not use my Curve account and Samsung Pay+ for?

We know most customers will, but you must use your Curve account and Samsung Pay+ responsibly. You can’t use them:

  • for anything that’s against the law (e.g. fraud) or is harmful or disrespectful to others, including any form of abuse of us or our staff

  • in breach of these Terms

  • in a way that might harm our ability to provide our services or or harm our software, systems or hardware

  • in a way that your funding card issuer, a card network, our acquirer and/ or payment processor, would see as an abuse of the payments system;

  • to pay for adult entertainment, gambling, cryptocurrencies, money orders (except wire transfers) and travellers cheques from non-financial institutions

  • for “cash recycling”, which means using your Samsung Pay+ to make an ATM withdrawal and using the cash to repay the payment card used for the withdrawal in order to receive rewards on the payment card or your Samsung Pay+;

  • to create one or more Curve account(s) without our permission;

  • attempt to “double dip” or to do anything during the course of a dispute to receive funds from us and your bank or payment card issuer for the same transaction;

  • to make transactions which are not allowed by the issuer of your linked payment card e.g. cash advances or transactions for investment purposes. Check your payment card’s Terms to see what’s allowed.

Money owed to Curve

In the event you owe Curve money either for fees or transactions that you have made using Curve, we may immediately charge such amounts to any of your payment cards. We reserve the right to collect the amount of your debt to Curve by using any payments received to your Account. We may also recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency.

CURVE FEATURES

In order to use these features, you need to download and use the Curve app. These features are not available on the Samsung Pay app. To download the Curve app - please click here

Go Back In Time

This allows you to change the payment card you used to pay for certain transactions after they were made. Check out which transactions this is possible for in the Curve app (note that we can change this list and restrict customers from using this feature where we have a good reason to do so). Be aware your payment card issuer may charge a fee for this, which we’re not responsible for.

Curve Rewards

From time to time, we offer our customers promotional offers with select retailers which you can choose to participate in if you wish. We call this Curve Rewards. Our Curve Rewards Supplemental Terms are here. The terms specific to individual offers will be presented to you at the time you select the offer. Provided that you comply with the terms of the offers you choose to take part in, we will pay to your Curve Cash card an amount in accordance with those offers. 

The funds paid by us to your Curve Cash card for any Curve Rewards offers will be held as e-money and safeguarded as required by UK law. As noted above, the Financial Services Compensation Scheme does not apply to funds held in your Curve Cash card. These funds are available for you to spend when you select the Curve Cash card as a funding source for your Samsung Pay+.

Please note that you cannot use your Curve Cash card to withdraw cash and it cannot be used by you to pay any fees to Curve. If you want to withdraw funds from your Curve Cash card, you can get in touch with us.

Curve Cash

Sometimes we offer our customers cashback in the form of points for using your Samsung Pay+ or Curve account - we call this Curve Cash. You can check out the current Curve Cash offers you may be eligible for on our website here. We change this every now and then - you can keep a tab on this through our website. Certain rewards programmes are introductory offers and may be restricted to a set number of days - in such cases please carefully refer to any information provided to you by Curve in the app or by email. 

Curve Cash is different to Curve Rewards. With Curve Cash, you’ll receive Curve Cash Points, which we add to your Curve Cash card. However, Curve Cash Points have no cash value and are not deemed to be e-money or any other equivalent of a fiat currency (unlike Curve Rewards). Your Curve Cash Points cannot be used to withdraw cash or otherwise be redeemed for cash. You cannot use Curve Cash Points to pay for any fees due to Curve.

When you use your Curve Cash card for a transaction, Curve will convert your Curve Cash Points to e-money (our little gift to you!) to the value of the transaction. You will still  be charged any fees that may be applicable to a transaction when these Points are used (if applicable as per the Fee Schedule). If there are not enough Curve Cash Points on your Curve Cash card, the transaction will be declined.

Please note that if your Curve Cash card holds Curve Cash Points in addition to other funds (for example, from Curve Rewards) then those other funds will be used first and your Curve Cash Points will only be converted to e-money and used when there are no other or insufficient other funds to complete a transaction.

Curve Cash Points expire 6 months from the date they are added to your Curve Cash card. If your Account is closed either by you or by Curve, you will not be able to redeem the value of your Curve Cash Points.

Open banking permissions

We may provide you access through the Curve app to a third party AIS and PIS provider (otherwise known as TPP). Their services will allow you to obtain financial information from your online payment accounts held with other providers (account information services) and to make online payments directly from your third party payment accounts held with other providers (payment initiation services, when available). 

If you want to use the TPP services, you will need to sign up to the TPP’s terms and conditions during the sign up process and provide them your details in order to create an account on their system and to access your data or execute payments. We have no responsibility for the products and services provided to you by or through the TPP and will not be liable to you for any harm, damage or loss arising from your use of the products and services provided to you by or through the TPP.  

The terms and conditions that apply to the payment accounts that you access through the TPP are not affected by these terms and conditions. 

Curve is not responsible for the information that you receive from your other online payment account providers or TPPs. 

CLOSING & SUSPENDING ACCOUNTS

When can we block, suspend or close your account?

Blocking. We’ll block your account if we have reasonable concerns about your account’s security or suspect fraud or where law or regulation requires us to.

Suspension and closure. We may immediately suspend or close your account for a number of reasons including where:

  • you use Curve in a way that these Terms don’t allow,

  • you don’t provide us information we’ve asked for or information you’ve provided is false or misleading,

  • we determine you have breached our Fair Use Policy,

  • your behaviour towards us makes it difficult to deal with you (e.g. you insult our staff),

  • you’ve broken these Terms in a serious or persistent way and you haven’t put the matter right within a reasonable time of us asking you to,

  • we’re required to by law or regulation,

  • you’re declared bankrupt,

  • we can verify that you have died.

We’ll give you at least 2 months’ notice if we want to close your account for any other reason, unless we are prohibited by law from doing so.

How can you close your account?

You can cancel your account at any time by emailing us at support@curve.com or contacting us in the Curve app. You’ll get a refund of any subscription fees you’ve paid if you change your mind within the first 14 days of signing up (the “cooling off” period). You will be charged pro rata if you have used any of the Curve services (including receiving a card).

On closing your account, you still need to pay us any fees you owe us or any transactions that have not yet completed. You’ll also need to make sure you cancel any outgoing payments you don’t want to pay anymore. If there is a balance on your Curve account, this will be redeemed to an underlying card’s bank account - once we complete our checks (if needed).

If any balance is still remaining on your account when your account is closed you can request to have these funds returned to a bank account in your name, subject to our checks. You forfeit your rights on these funds if you do not claim these funds within 6 years from the date your account was closed. During this period your funds will be kept safe as required by law. 

COMPLAINTS

How can you make a complaint?

We hope you don’t ever need to but if you do ever want to complain, you can contact us at support@curve.com or complaints@curve.com or via the Curve app. We’ll try and fix your problem as soon as we can. Just so you know, our complaints management and customer service is currently, only in English.

If you’re still not happy you can refer your complaint to the Financial Ombudsman Service within 6 months of the date we send our final response to you.

You can contact them at:

In writing: Financial Ombudsman Service, Exchange Tower, London, E14 9SR

Calls: 0800 023 4567 (or +44 20 7964 0500 from abroad)

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

You can get more details about how we handle complaints in our FAQs.

OTHER IMPORTANT LEGAL STUFF

Our liability

We’ll not be responsible for any money you’ve lost as a result of:

  • a merchant or ATM provider refusing to accept your Samsung Pay+ 

  • us suspending or closing your account in accordance with these Terms

  • Curve implementing a legal or regulatory requirement

  • unforeseeable events outside our control, where the consequences would have been unavoidable despite our best efforts

  • goods or services that you purchase using your Samsung Pay+ 

  • Loss or corruption of data unless caused by our willful wrongdoing

  • our compliance with applicable laws.

We’re also not responsible for any charges you have to pay to third parties, like your payment card issuers, for using the Curve account and services.

If we breach our Terms with you, we’ll only be responsible for losses that could have been foreseen at the time we entered into these Terms and are directly related to the event in question. We’ll do all we reasonably can to make sure that our services are not interrupted and are accessible at a reasonable speed. However, we can’t promise that this will always be the case e.g. where we rely on third parties to process payments.

Nothing in these Terms will stop us being responsible to you, if we act fraudulently, we act with a very significant degree of carelessness, or we’re at fault and the law does not allow us to exclude or limit our liability. We will not be liable to you in respect of any losses you or any third party may suffer in connection with the use of Curve’s service - app, account or Samsung Pay+ as a result of our actions which were not a foreseeable consequence of our actions.

Changes to these Terms

Because these Terms will continue till you or we end them, we may need to change these Terms every now and then. If we make changes that are clearly in your favour, we’ll tell you once we’ve made them. Otherwise, we’ll give you 2 months’ notice before the change will come into effect - so you can easily end these Terms if you don’t agree with the changes. 

We may amend these Terms to reflect changes, including:

  • to the law or regulatory requirements

  • to the way we manage your Curve account as a result of changes in technology and changes to the Curve system that we use

  • in the cost of providing your account and other Curve services

  • to our existing products and services

  • and anything else that we currently can’t predict

We’ll assume you’re happy with the changes unless you tell us otherwise. 

We may not be able to give you 2 months’ notice before changes take effect if they are due to reasons outside our control. If so, you will always have 2 months from when they take effect to cancel your account free of charge.

Our contract with you

Personal to you. Only you and we have any rights under these Terms. These Terms are personal to you and you can’t transfer any rights or obligations under them to anyone else.

Transfer. We can transfer any of our rights and obligations under the Terms to comply with a legal or regulatory requirement and we reasonably think that a transfer would not have a significantly negative effect on your rights.

Severability. If for any reason a part of these Terms becomes invalid or unenforceable, we both agree that the invalid or unenforceable parts can be removed and that the rest of the Terms will still be enforceable.

Waiver. If you fail to keep to any of your obligations and we don’t take action against you (immediately or ever), we can still take action at a later date.

Our intellectual property

Curve owns all intellectual property in the Curve products and services, e.g. Curve app, Curve website, Curve logo and card designs. You agree you won't use Curve’s intellectual property, except to use the Samsung Pay+ and Curve products as outlined in these Terms. Also, you agree you won’t reverse engineer any of Curve’s products (that is try to reproduce them after a detailed examination of their composition).

English law applies

English law will decide any legal questions about this agreement, and about our dealings with you with a view to entering into it.

If you are living in England or Wales when this agreement starts, the courts of England and Wales will have exclusive jurisdiction in relation to it.

If you are living in a different part of the UK when this agreement starts, English law will still apply, but will not act to deprive you of any mandatory protections that would have been afforded to you in that region. In addition, the courts of that country will have jurisdiction to hear any claims in relation to this agreement, but you can still bring a claim against us in the courts of England and Wales if you want to.

Your Data

By agreeing these Terms, you also agree to us using your information to make and receive payments on your account, and any other lawful grounds that Curve has to use your information. You are required to keep your personal data updated, including your residential address. If you’re no longer happy for us to use your information, we’ll have to close your account. We may keep your personal data and use it where we have lawful grounds to do so. For example, any identity verification information we need to maintain for regulatory reasons (please refer to our Privacy Policy).

Fee Schedule

Delivery Fee

To cover the cost of delivering a physical card that you have requested (you will be issued only a digital card)

£5

Replacement Card Fee

To provide you with a replacement physical Samsung Pay+ 

£5

Cancellation Fee if you cancel your Samsung Pay+ during the 14 day cooling off period 

To cover the cost of providing your Samsung Pay+, including the cost of making it and posting it to you and providing you with the benefits associated with your card up to the point you cancel it.

£0

Cancellation Fee after the 14 day cooling off period

To cover the cost of providing your Samsung Pay+, including the cost of making it and posting it to you and providing you with the benefits associated with your card up to the point you cancel it.

£0

Cash withdrawal fee

To cover the cost of enabling you to withdraw cash from ATMs.

Note: some ATM providers may impose additional charges.

First 10 withdrawals per rolling 30 day period are free. Thereafter £0.50 per withdrawal.

Currency Conversion Fee - for purchases you make Monday-to Friday (excluding bank holidays) 

To cover enabling you to pay for goods and services in a currency different from the currency of your payment card. Any fee we charge will be in addition to the exchange rate we use to convert the currency you used to pay for the goods and services to the currency your payment card is in. We’ll use our standard exchange rate for purchases and cash withdrawals you make when the foreign currency markets are open in the UK (typically Monday-Friday, excluding bank holidays).

Fee free currency conversion up to up to £500 per rolling 30-day period. Thereafter, we will charge a currency conversion fee of the greater of 2% over the standard exchange rate.

Currency Conversion Fee - for ATM withdrawals you make Monday-to Friday (excluding UK bank holidays)

To cover enabling you to withdraw cash from an ATM in a currency different from the currency of your payment card. We’ll use our standard exchange rate described above.

Fee free currency conversion up to up to £200 per rolling 30-day period. Thereafter, we will charge a currency conversion fee of the greater of 2% or £2 over the standard exchange rate.

Currency Conversion Fee - for purchases and ATM withdrawals you make over the weekend or UK bank holidays

To cover the cost of enabling you to make purchases and withdraw cash in a currency different from the currency of your payment card. We’ll use the weekend exchange rate for purchases and cash withdrawals you make when the foreign currency markets are closed in the UK (typically weekends and bank holidays). The weekend rate is the rate at the time the markets closed.

In case of withdrawals or purchases over the weekend where the currency of the selected Payment Card is different to the currency of the spend, as the Forex markets are closed, we take the rate of last day the market was open (in most cases Friday:23:59 GMT) and apply a surcharge. If there is a currency conversion and the currency of the selected Payment Card and the currency of the transaction are both in one of GBP, USD or EUR, the rate will be increased by 0.5%. In any other case, that is if either the currency of your transaction or the currency of the selected Payment Card is any of our other supported currencies, the rate will be increased by up to 1.5%.

Curve Fronted fee

To cover the cost of enabling you to use a credit card as your payment card to pay merchants who only accept payment by debit card or who impose a charge or deny certain cards. Please note that your credit card issuer may also charge fees.

1.5% of the total transaction amount.

Credit Card Withdrawal fee (limits and fees)

Charges for using your credit card as the selected payment card when making cash withdrawals.

Where your selected payment ‎card is a credit card: free up to £200  per calendar month; ‎thereafter 2% of the withdrawal amount‎. ‎Please note that this is not a limit per credit card, but a cumulative for all ‎credit card withdrawals using your Samsung Pay+ in a calendar month.‎ This fee will be in addition to any of the other fees mentioned above. 

Note: Our platform uses third-party systems to identify whether the payment card ‎is a credit card. If you believe your card has been incorrectly defined ‎you should contact us and we may ask you for information so we can investigate.

Schedule 1 – Mastercard Digital Enablement Service Terms

1. This schedule 1, Mastercard Digital Enablement Service Terms, apply in addition to Curve’s Samsung Pay+ Terms (the “Terms”). Unless terms are defined differently here, terms in capitals in this Schedule 1 have the same meaning as they do in the Terms. If there is any conflict between this Schedule 1 and the Terms, the Terms apply.

2. Where you have agreed other terms and conditions with Samsung (e.g. terms relating to the Samsung Pay service as well as use of your Samsung device), this Schedule 1 will also apply to your use of Samsung Pay. 

3. We are not responsible for any acts or omissions of Samsung (or any other third party) in respect of Samsung Pay, including, without limitation, if anything goes wrong with Samsung Pay or your device.

4. Keeping your Samsung Pay+ and Curve App secure - the same provisions extend to the use of your Samsung Pay+ through Samsung Pay including keeping your card details safe at all times and reporting any unrecognised transactions immediately to Curve. 

5. Curve retains the right to stop you using the service of Samsung Pay with your Samsung Pay+ (e.g. for security reasons) as set out in the Terms. 

6. Fees: There are no fees charged by Curve for your use of the Samsung Pay+ with Samsung Pay. 

7. Please note that Curve may need to share your personal information with Samsung in order to provide you with these services and that the management of your personal information will also be subject to Samsung's privacy policy. 

Samsung and Samsung Pay are trademarks of Samsung.‎

Version History

  • Version - 17 May 2021

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Curve OS Ltd, registered in England and Wales, #09523903
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Copyright - 2021 © Curve OS Limited. The Curve Card, the Samsung Pay+ and the E-money related to these cards is issued in the UK by Curve OS Limited, authorised in the UK by the Financial Conduct Authority to issue electronic money (firm reference number 900926). Curve OS Ltd, registered in England and Wales, United Kingdom (company reference number: 09523903) and located at 15-19 Bloomsbury Way, Holborn, London, United Kingdom, WC1A 2THThe Curve Card and the e-money related to cards issued in the EEA is issued by Curve Europe UAB, authorised in Lithuania by the Bank of Lithuania (electronic money institution license No. 73 issued on 22 of October, 2020). The Curve Card and Samsung Pay+ are issued pursuant to license by Mastercard International Inc. Mastercard® is a registered trademark of Mastercard International Incorporated. Curve Europe UAB, registered in Lithuania (company reference number: 305626541) and located at Jogailos g. 9, LT-01116 Vilnius